“The avoidance of taxes is the only intellectual pursuit that still carries any reward. (John Maynard Keynes) 1. Boost your retirement savings Contributing to a Retirement Annuity (RA) before 28 February can reduce your taxable income and grow your long-term wealth. If you haven’t maximised your annual tax deduction for contributions to retirement funds, this…
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“The greatest danger in times of turbulence is to act with yesterday’s logic.” (Peter Drucker) For a long time, South Africans have been told to use a simple formula to figure out how much money they will need in retirement: multiply their annual expenses by 25. The “25× Rule” comes from 4% withdrawal guideline of…
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“The power of compounding reflects the principle that small, consistent improvements yield disproportionately large results over time.” (Morgan Housel) In his book The Psychology of Money, Morgan Housel makes a great observation about Warren Buffett: more than 97% of Buffett’s wealth was accumulated after his 65th birthday. This isn’t a point about Buffett’s ability to…
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January offered investors an early stress test for 2026. A rapid succession of geopolitical shocks, policy surprises, and market reversals left portfolios swinging sharply between risk-on and risk-off. Far from an anomaly, this turbulent start may well be a preview of the year ahead: expect policy uncertainty, geopolitical noise, and abrupt shifts in market leadership.…
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